Earthquakes are a part of life in Southern California. Property owners must protect their investments with adequate earthquake insurance in the event of even the slightest damage. Many times, the damage sustained by a small earthquake or seismic shift goes unnoticed. Unfortunately, this damage can make a home or building vulnerable to future issues. After more powerful earthquakes, the damage can destroy major components of a property and the contents within the building. Regardless of the type of damage you’re facing, you need to work with qualified adjusters when filing an earthquake insurance claim.
At Apex Public Adjusters, we bring over 35 years of experience to the table. When you hire us, a claims adjuster will evaluate the full extent of the damages to your property. We’ll then work with the insurance company on your behalf in order to ensure the claims process goes smoothly and you get the maximum amount for your loss. It’s our goal to get you on track to rebuild as soon as possible. Contact us if your home or business has sustained damage following a Southern California earthquake.
An Earthquake policy covers damages resulting from the shaking and movement of the ground during an earthquake. These damages could be to the building itself and/or your contents within the building. Some Earthquake insurance policies also covers additional living expenses/Business Interruption which refer to the loss of use of your Home or Business. Earthquake coverage is typically not included in homeowners policies. It is either purchased separately or added to a standard policy.
Some losses aren’t covered by earthquake insurance. If the earthquake causes other forms of damage such as a fire or water damage as a result of a busted pipe, these damages are covered by standard insurance policies. In addition, earthquake insurance doesn’t cover damage sustained by vehicles on the property. In this situation, a claim will need to be filed on your auto insurance policy.
If your property has sustained earthquake damage, Apex Public Adjusters can help you recoup the maximum amount for your loss. When you call us, we’ll send a claims adjuster to assess and document the damage. We’ll also review your insurance policy to ensure you’re complying with all requirements. In order to maximize the amount of recovery, we’ll develop a claim management approach. This means substantiating every detail including property damage, loss of personal or business possessions, and any additional expenses you’ve accrued as a result of the earthquake. We’ll then negotiate with your insurer to get an appropriate settlement.
Apex Public Adjusters believes in putting you first. That’s why we provide a dedicated concierge service to answer all your questions in a timely manner. It’s our goal to keep you informed throughout the entire process.
Contact us to get the best results from your earthquake insurance claim. Our adjusters provide experienced service to homeowners and businesses throughout Southern California.